- CyberBanking – The Next Steps
- Internet – Traveling Through Cyberspace
- Artificial Intelligency – The Revolution Is On the Way
- Thirty Years of Software Development
- Business to Business Relationships
Joe K. Clema incorporating wit, humor and wisdom into his
He has spoken before thousands, providing inspiration, motivation, and entertainment on a variety of current topics, ranging from humor in the world of computing to the technology employed on the Internet, in CyberBanking, and in artificial intelligence applications.